Switch your home loan to Kiwibank

Looking for a better home loan deal? With our competitive interest rates and our refinancing package you could save up to $2,000 off the cost of refinancing. We'll also do all the hard stuff for you, including dealing with your current bank.

The ownership of the property isn’t changing and your home loan is secured by a maximum of two securities

There aren't any guarantors on your home loan

The documentation must be signed by the property’s owner (not a power of attorney)

You can’t finalise the sale or purchase of the property on the same day as refinancing.

The refinancing package isn't available for business banking purposes.

If you don't meet the above criteria, you may still be able to use our refinancing package to refinance to Kiwibank, however you'll need to pay a refinancing package fee.

If you want to refinance to Kiwibank without choosing to use our Refinancing Package, you'll need to use your own solicitor. Your solicitor’s fees won't be covered by Kiwibank.

Ready to make the move?

Complete our online application form, it takes around 25 minutes, and you can save and come back to it if you need to. We’ll ask you about your earnings, expenditures, savings and how much you’d like to borrow.

If your application is successful, you’ll be conditionally approved. This means that we’ve agreed to loan you a certain amount of money based on the information you’ve provided us. At this point you’re not committed to anything, and our offer lasts three months as long as you continue to meet the criteria.

We’ll finalise the loan offer and you’ll sign on the dotted line.

We’ll switch over your accounts and payments, and arrange closure of your accounts at your old bank.